Deferment of Your Student Loans

Private student loan deferment permits borrows to stop payment their loans even if only for the mean time. When you decide on deferring your repayment, you should contact your lending company and request for a student loan deferment form.

Actually, it is not unlike the federal student loans that are more receptive to student loan deferment. It is however unfortunate for you as a prospective borrower that not all college school loans that originate from private financial institutions and lenders will allow you to apply for one, and if you happen to have a lender that allows you to defer your repayment, of course, there would be a number of requirements and criteria.

First of all, you must be enrolled in your school at least half of the time, or you must be deployed in military services. If you are in serious financial problems, this can be a valid reason for you to defer loan payments.

For proper guidance and appropriate accomplishment of student loan deferment form, it is advisable to be in contact with your lender.

New Office & US News Critique

We have moved to our new offices at 3011 North Harrison Street in Davenport. It took us a while to get the building ready, but we're very pleased with the work that has been done. We'll be hosting an open-house in the near future, but in the mean time, schedule an appointment and stop by to see us.




View Larger Map

The following are two critiques of the US News and World Report college rankings that come out every year. In a nutshell, beware of beauty contests.





You can also check out a CBS News story on the ranking system here at this link.

Nursing Loan Forgiveness Schemes

If you are a nursing student, you can also opt for nursing loan forgiveness, known alternately as loan repayment schemes, in order for you to be able to settle your nursing student loans; this happens as you are employed in a nursing job.

Such programs are a logical type of financial solution; for one thing you are given the chance to practice your course as you get employed in a hospital or public clinic. But more importantly, with your effort, you receive compensation and reimbursement for your nursing education.

There are numerous nursing programs on loan forgiveness that everyone can avail of. This is in respond to the ever continuing shortage of nursing graduates and professionals in the United States.

Nursing loan forgiveness is under the funding of the appropriate federal agencies on areas where nurses are especially most sought after because of their small population.

With the rendering of nursing services comes the offer of payback on the private student loans or even forgiveness of the debt altogether. Nurses are forgiven of their loans based on the number of years they rendered services to a particular community. One year of nursing service for example also merits one year of loan repayment.

Student Loans Consolidation Service: Compare and Choose the Best

One of the more important, and not to be ignored responsibilities that students have to honor is the repayment of their private student loans. Four (even five or six!) long years. And the length of these years saw the accumulation of the student college loans that students acquired for the financing of their college education. But more often than not, it’s difficult for a new graduate to face such burdensome responsibility without any help.

That’s why for those students who have discovered student loans consolidation service and listed up such aid – they found themselves enjoying a much easier time facing their loans.

However, when consolidating student loans, it’s not like something that you jump into without knowing the appropriate procedures; do it right and you will be able to optimize the student loans consolidation service that you will get.

Surely you also possess government debt – these should be combined separately from the private ones. One to begin with the merging of your private debts, there are definitely a long list of option that you can consider and select from. However, you should accept the fact that the student debt consolidation loans rate is higher with your private than your federal debts.

The important thing to do when you consolidate college loans is to compare. As been said, services abound. Despite all the seeming nice and enticing come-ons that go with its offer, do not just give in to the first college loan consolidation service that you encounter. Be scrutinizing and really research about its offer, and better yet, compare one service to many others. This way, you are able to properly pick the best student loans consolidation service, whether for undergraduate or graduate student loans, that’s best for you.

Getting Graduate Financial Aid with Fixed Student Loan Interest Rates

For those wishing to enter graduate school but is hampered by financial difficulties, they can actually choose from various kinds of graduate loans with fixed student loan interest rates. Such rate can actually help you afford your graduate study costs an of course the repayment every month as well.

One of the more popular loan is the Graduate Stafford Student Loan. Did you know that graduate study expenses have gone up to almost 40 percent in the past years that for many, graduate studies can be virtually impossible to afford?

The Graduate Stafford Loan actually lets you choose from two types, one that is need-based and the other is not. This permits graduate students the opportunity of choosing at any of these two loans with a fixed student loan interest rates of about 6.8 percent through the next decade.

You can talk to your loan adviser and ask for recommendations on how you can avail of such graduate student loans. There are many loan companies online; you can check on several and see if you have the requirements that make you eligible for such loan and let you enjoy the numerous benefits such as student loan interest rates at a fixed level.

Nursing Students Can Turn to Plus Loans

If you are a student in a nursing school, more often than not (of course, unless you are born to the rich and famous), you will need financial assistance in the entire four years of your nursing course. To become a nurse is not a cheap pursuit; in fact, it is one of the most expensive courses one can ever take in college. So, whether you apply college loan from a lending office or go for online student loan application, this is clear that you need financial aid to pursue your nursing course.

And when all your government aid options have been exhausted, or perhaps being a student-assistant or those student loan forgiveness programs are still not enough, one can always turn to private student or nursing school loans to fill in the rest of your financial requirements.

When in comes to private college loans, you can have PLUS Loans. Such loans can be obtained via Direct Loan programs. However, you would need your parents as they will be the ones to apply for it. Yes, they are the borrowers of the PLUS loan, but there are requirements that you need to fulfill. First of all, you must be dependent and enrolled in your nursing education at least half-time.

Plus loans need you to present a decent credit report. And also, there is an annual limit, which is equal to college costs with the other financial aid you obtained to be deducted. Not only nursing students are eligible, but other college degree student may obtain financial help under Plus Loans.